THE KEY TO BUILDING A PORTFOLIO starts with some introspection. You need to have a long-term plan. In other words: Why are you investing (in a broad sense that may include anything from greater freedom to leaving money for charity) and what are you investing for (in terms of material wants, such as a cottage by the sea)? You’ll want to save an appropriate amount and select diversified investments that together provide an appropriate level of risk and potential return. Having solid goals and objectives makes saving money and determining an appropriate level of risk ...

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